For the quarter ending 2025-09-30, FCBC had $32,648K increase in cash & cash equivalents over the period. $18,513K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 12,265 | 24,064 |
| Provision for credit losses | 0 | 36 |
| Depreciation and amortization of premises and equipment | 884 | 1,998 |
| Accretion of discounts on investments | 171 | 473 |
| Amortization of intangible assets | 433 | 1,050 |
| Accretion on acquired loans | 436 | 986 |
| Equity-based compensation expense | 93 | 1,326 |
| Issuance of common stock to 401 plan | 0 | 0 |
| Gain on sale of premises and equipment, net | 8 | -4 |
| Loss on sale of other real estate owned | 89 | -93 |
| Decrease in accrued interest receivable | 334 | -420 |
| Increase (decrease) in other operating activities | 6,310 | -4,100 |
| Net cash provided by operating activities | 18,947 | 23,432 |
| Proceeds from maturities, prepayments, and calls of securities available-for-sale | 12,244 | 90,453 |
| Payments to acquire securities available-for-sale | 9,467 | 50,105 |
| Net decrease in loans | -20,985 | -61,744 |
| Proceeds from the sale of fhlb stock, net | 0 | -29 |
| Proceeds from bank owned life insurance | 0 | 0 |
| Proceeds from sale of premises and equipment | -6 | 0 |
| Payments to acquire premises and equipment | 434 | 1,364 |
| Proceeds from sale of other real estate owned | 280 | 164 |
| Net cash provided by investing activities | 23,614 | 100,921 |
| Decrease in noninterest-bearing deposits, net | -8,123 | -9,822 |
| Decrease in interest-bearing deposits, net | 3,352 | -46,061 |
| Increase (decrease) in securities sold under agreements to repurchase, net | 413 | 110 |
| Proceeds from stock options exercised | 122 | 120 |
| Payments for repurchase of common stock | 0 | 1,851 |
| Payments of common dividends | 5,677 | 49,246 |
| Net cash used in financing activities | -9,913 | -106,750 |
| Net increase in cash and cash equivalents | 32,648 | 17,603 |
| Cash and cash equivalents at beginning of period | 377,454 | - |
| Cash and cash equivalents at end of period | 427,705 | - |
FIRST COMMUNITY BANKSHARES INC VA (FCBC)
FIRST COMMUNITY BANKSHARES INC VA (FCBC)